Civic Intelligence

Eagle Credit Union Co Unify Financial Credit Union

990 • Fiscal year 2016 • EIN 94-0902652

Jan 01, 2016 to Jun 30, 2016 • Filed on Apr 17, 2017

Organization ProfileN/A

View Organization Page

1899 Western WayTorrance, CA 90501

(310) 381-2215

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2016

Liabilities / Revenue

58th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2016 filings • <$500k nonprofits • Source year 2016

Net Margin

9th percentile

-65%

Higher net margin than 9% of similar nonprofits.

2016 filings • <$500k nonprofits • Source year 2016

Top Officer Pay

93rd percentile

$50,000

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 14.9% of source-year revenue.

2016 filings • <$500k nonprofits • Source year 2016

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

2016 filings • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

8th percentile

-59%

Faster revenue growth than 8% of similar nonprofits.

2016 filings • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $19,909,912 (-100%) from 2015

Net Assets

Down

$0

Down $1,478,545 (-100%) from 2015

Liabilities

Down

$0

Down $18,431,367 (-100%) from 2015

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin9th percentile

Revenue

Down

$334,449

Down $473,406 (-59%) from 2015

Expenses

Down

$550,955

Down $468,905 (-46%) from 2015

Net Income

Down

-$216,506

Down $4,501 (-2.1%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $22,581,708Liabilities 2010: $20,700,555Net Assets 2010: $1,881,1532010Assets 2011: $20,360,321Liabilities 2011: $18,195,034Net Assets 2011: $2,165,2872011Assets 2012: $20,737,232Liabilities 2012: $18,473,414Net Assets 2012: $2,263,8182012Assets 2013: $21,197,659Liabilities 2013: $19,163,211Net Assets 2013: $2,034,4482013Assets 2014: $20,031,643Liabilities 2014: $18,348,818Net Assets 2014: $1,682,8252014Assets 2015: $19,909,912Liabilities 2015: $18,431,367Net Assets 2015: $1,478,5452015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2016

Assets$0
Liabilities$0
Net Assets$0
Open 2016 Filing

Operations Trend

Revenue Growth8th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,901,8642010Expenses 2011: $1,081,5232011Expenses 2012: $1,195,4272012Revenue 2013: $1,023,633Expenses 2013: $1,215,204Net Income 2013: -$191,5712013Revenue 2014: $864,412Expenses 2014: $1,168,152Net Income 2014: -$303,7402014Revenue 2015: $807,855Expenses 2015: $1,019,860Net Income 2015: -$212,0052015Revenue 2016: $334,449Expenses 2016: $550,955Net Income 2016: -$216,5062016

Highlighted filing

2016

Revenue$334,449
Expenses$550,955
Net Income-$216,506
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Jun 30, 2016
Signed
Apr 17, 2017
Return Version
2016v3.0
Gross Receipts
$334,449
Mission and Program Overview

Mission

Provide low cost financial services

Provide low cost financial services for the benefit of the credit union's members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,507,500--
Land, Buildings, and Equipment, Net$3,389,121--
Rtn Earn Endowment Incm Other Fnds$1,478,545--
Savings and Temporary Cash Investments$1,262,270--
Cash and Non-Interest-Bearing Accounts$369,492--
Total Assets$19,909,912$0▼ $19,909,912
Other Assets Total$9,381,529--
Liabilities
Other Liabilities$18,411,179--
Accounts Payable and Accrued Expenses$20,188--
Total Liabilities$18,431,367$0▼ $18,431,367
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,478,545$0▼ $1,478,545
Total Liabilities and Net Assets / Fund Balance$19,909,912$0▼ $19,909,912
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan RobertsonCEOFT$50,000$50,000

Board Members and Trustees

NameTitle
Rod RodinskyPresident B/d
Louise CarsonBoard Member
Joe FoleyMember
Cindy TylerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$188,259
Investment Income
$44,467
Other Revenue
$101,723
Change in Net Assets
$-216,506
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$329,969
Salaries, Compensation, and Employee Benefits$220,986
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$182,526
Other Salaries and Wages---$139,656
Current Officers, Directors, Trustees, and Key Employees---$50,000
Occupancy---$37,922
Depreciation Depletion---$30,858
Payroll Taxes---$18,589
Fees for Services Accounting---$12,500
All Other Expenses---$11,219
Information Technology---$10,439
Other Employee Benefits---$10,246
Insurance---$9,198
Fees for Services Other---$8,095
Interest---$4,417
Pension Plan Contributions---$2,495
Other Expenses---$2,030
Conferences and Meetings---$991
Travel---$738
Advertising---$650
Fees for Services Legal---$153
Total Functional Expenses$0$0$0$550,955
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes-
Members Savings-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Eagle Credit Union Co Unify Financial Credit Union
EIN
94-0902652
Phone
3103812215
Address
1899 WESTERN WAY, TORRANCE, CA 90501

Signing Officer

Name
Hugo Silva
Title
VP Controller
Phone
3103812215
Signed
2017-04-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hugo Silva
Formed
1929
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
5
Volunteers
5

Preparer

Firm
Jacquilla Burrell CPA
Address
127 WEST BADILLO STREET STE 127E, COVINA, CA 91723
Preparer
Jacquilla Burrell
Phone
6263319744
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Organization is a member owned state chartered credit union.”

Pt VI, Line 7A

“Board members are elected by the membership during the annual meeting.”

Pt VI, Line 7B

“Members vote for members running for a position on the Board of Directors. Some Board decision are ratified by the membership during the annual meeting and/or special meetings.”

Pt VI, Line 10B

“Daily auditing functions are performed to ensure compliance within policy.”

Pt VI, Line 11B

“The CEO reviews all tax statements prior to filing.”

Pt VI, Line 15A

“Board driven process with outside vendor's assistance.”

Pt VI, Line 15B

“Board driven process with outside vendor's assistance.”

Pt VI, Line 19

“Governing documents and the conflict of interest policy are not made available to the public. Financial statements are posted monthly in the lobby.”

Raw XML Appendix376 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd4CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd090501
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd190501
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd290501
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd390501
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd490501
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Former CEO hired as Manager, Member Service Support.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2e
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Organization is a member owned state chartered credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members are elected by the membership during the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote for members running for a position on the Board of Directors. Some Board decision are ratified by the membership during the annual meeting and/or special meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Daily auditing functions are performed to ensure compliance within policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The CEO reviews all tax statements prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board driven process with outside vendor's assistance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Board driven process with outside vendor's assistance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governing documents and the conflict of interest policy are not made available to the public. Financial statements are posted monthly in the lobby.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt019909912
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt019909912
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0550955
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018431367
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt018431367
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01478545
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt0188259
IRS990/TotalReportableCompFromOrgAmt050000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0334449
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0334449
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019909912
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0738
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01899 WESTERN WAY
IRS990/USAddress/CityNm0TORRANCE
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd090501
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HUGO SILVA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VP CONTROLLER
ReturnHeader/BusinessOfficerGrp/PhoneNum03103812215
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EAGLE CREDIT UNION CO UNIFY FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EAGL
ReturnHeader/Filer/EIN0940902652
ReturnHeader/Filer/PhoneNum03103812215
ReturnHeader/Filer/USAddress/AddressLine1Txt01899 WESTERN WAY
ReturnHeader/Filer/USAddress/CityNm0TORRANCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd090501
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId072533FED5A15FB385EC330B6EF9698A0C837B1A6
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId072533FED5A15FB385EC330B6EF9698A0C837B1A6
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.93.120.96
ReturnHeader/FilingSecurityInformation/IPDt02017-04-17
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm019:01:31
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JACQUILLA BURRELL CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0127 WEST BADILLO STREET STE 127E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COVINA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd091723
ReturnHeader/PreparerPersonGrp/PhoneNum06263319744
ReturnHeader/PreparerPersonGrp/PreparationDt02017-04-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-04-17T19:01:44-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-06-30
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$334,449
Expenses
$550,955
Net income
-$216,506
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.33$0.55$0.22
2015Detailed filing. Detailed filing data is available for this year.$19.9$18.4$1.48$0.81$1.02$0.21
2014Detailed filing. Detailed filing data is available for this year.$20.0$18.3$1.68$0.86$1.17$0.30
2013Detailed filing. Detailed filing data is available for this year.$21.2$19.2$2.03$1.02$1.22$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$18.5$2.26$1.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.4$18.2$2.17$1.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$20.7$1.88$1.90